How to Close or Cancel ICICI Bank Credit Cards

Your credit card needs may evolve with the changing circumstances and financial requirements. Knowing how to close an ICICI Bank credit card can help you take quick action when the need arises. 

If you decide to cancel your ICICI Bank credit card, you can proceed both online and offline. 

You can call customer care, send an email or log in online to initiate cancellation. Ensure that you do not have outstanding dues before you initiate cancellation. Make sure you have the credit card number handy, no matter which mode you choose.

Step 1: Call ICICI Customer Care

• Dial ICICI Bank credit card customer care number – 1800-1080.

• Follow the IVR instructions to connect with a customer care representative.

   

Step 2: Request Credit Card Cancellation

• Inform the representative that you want to cancel your ICICI credit card.

• Provide necessary details like your credit card number and personal verification information.

   

Step 3: Receive Confirmation

• The bank representative will place your cancellation request.

• You will receive a confirmation regarding the request within a few working days.

   

Step 4:  Clear Outstanding Dues

• Ensure that all outstanding dues, including any EMIs, fees, or charges, are fully paid.

• The bank will not proceed with the cancellation until dues are cleared.

   

Step 5:  Card Cancellation & Confirmation

• Once all dues are settled, ICICI Bank will process the cancellation.

• You will receive final confirmation via SMS or email stating that your credit card has been successfully canceled.

Step 1: Compose an Email

• Open your registered email ID.

• Write a new email addressed to customer.care@icicibank.com.

   

Step 2: Mention the Cancellation Request

• In the email subject, write: "Request for Credit Card Cancellation".

• In the email body, clearly mention your request to close the credit card.

   

Step 3: Provide Required Details Include the following details in your email

• Last 4 digits of your credit card (for security reasons, do not mention the full number).

• Your full name (as per bank records).

• Registered mobile number.

• Reason for cancellation (optional).

   

Step 4: Send the Email

• Review the details to ensure accuracy.

• Click Send to submit the request to ICICI Bank.

   

Step 5:  Await Confirmation

• ICICI Bank will review your request and respond within a few working days.

• You may receive a confirmation email or call from customer care regarding further steps.

   

Step 6: Clear Outstanding Dues

• Ensure that all outstanding balances, including EMIs and charges, are fully cleared.

• The cancellation will only be processed once dues are settled.

   

Step 7: Receive Final Confirmation

• After verifying that all dues are cleared, ICICI Bank will process your request.

• You will receive a confirmation email stating that your credit card has been successfully canceled.

Step 1: Log in to ICICI Net Banking

• Visit the ICICI Bank Net Banking portal.

• Enter your User ID and Password to log in.

   

Step 2: Navigate to ‘Service Requests'

• Click on ‘Customer Service’ from the main menu.

• Under this section, select ‘Service Requests’.

   

Step 3: Select ‘Credit Card Cancellation’

• Click on ‘Credit Cards’ from the available options.

• Choose ‘Request for Cancellation of Credit Card’.

   

Step 4: Fill in the Required Details

• Enter the last 4 digits of your credit card number.

• Provide a valid reason for cancellation.

• Enter your registered mobile number and email ID.

• Click ‘Submit’ to send your cancellation request.

   

Step 5:  Await Confirmation Call

• A bank representative will call you to confirm the cancellation request.

• You may be asked for additional verification.

   

Step 6: Final Processing & Cancellation

• After confirming your request, the bank will process the cancellation.

• Your ICICI credit card will be canceled within 7 working days.

• You will receive a confirmation SMS or email once the process is complete.

Step 1: Visit the Nearest ICICI Bank Branch

• Locate and visit your nearest ICICI Bank branch.

• Carry your credit card and any required identification proof.

   

Step 2: Request a Credit Card Cancellation Form

• Approach the customer service desk and request a Credit Card Cancellation Form.

Step 3: Fill Out the Form

• Provide the necessary details, including:

  • Your name (as per bank records)

  • Last 4 digits of your credit card number

  • Registered mobile number & email ID

  • Reason for cancellation

     

Step 4: Submit the Form

• Double-check all details for accuracy.

• Submit the filled-out form to the bank representative.

   

Step 5:  Await Confirmation from the Bank

• The bank will review your request and process the cancellation.

• You may receive a call, SMS, or email for confirmation.

   

Step 6: Clear Outstanding Dues

• Ensure that all outstanding balances, EMIs, or charges are fully paid.

• The cancellation request will only be processed after dues are cleared.

   

Step 7: Receive Final Confirmation

• Once the request is approved, the bank will cancel your credit card.

• You will receive an official confirmation via SMS or email.

While you can close your ICICI Bank credit card whenever you decide to, keep certain important things in mind before you do. These include: 

• Ensure the outstanding balance, including EMIs, is fully paid before cancelling your ICICI Bank credit card

• Redeem any accumulated reward points before closing the card to avoid losing them

• Avoid using your ICICI Bank credit card once you decide to cancel it to prevent new debt or delays in cancellation 

• Deactivate automatic payments linked to the card before cancellation to avoid missed payments

• Check your latest credit card statement for fraudulent transactions before proceeding 

When you cancel your credit card, your overall credit limit comes down. This, in turn, increases your credit utilisation ratio. Since keeping this ratio within 30% is recommended, your CIBIL score may be impacted temporarily when you close your credit card. 

However, if the credit card you are cancelling is the only card you have, your CIBIL score may not be affected. Overall, your CIBIL score can still be improved if you continue to pay your other dues on time.

After you cancel an ICICI Bank credit card, you may want your card back in service for various reasons. However, you cannot reactivate a closed card. To resume the services you were enjoying, you will have to re-apply for the credit card.

Reference of all T&Cs necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time, amongst other conditions.

How can I close an ICICI Bank credit card?

There are three ways to close an ICICI Bank credit card – adding an online request, writing an email, or calling customer care. You may also be able to initiate cancellation by visiting a branch in person.